Please recommend your credit card

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Do you mean $50,000? Because $5,000 is not a high limit.

Less than 1% of the top 1% have a $50K credit limit or higher, so don’t even try to pretend that $5K isn’t high by normal standards. You’re the typical DCUM poster complaining about being broke despite having a HHI of $100K+.

Nope, not broke. I have 4 credit cards, with a total limit of about $80k across all of them, the highest individual one being about $34,000. One I use for our every day spend. The others I keep open because of credit history. All are paid in full every month. I use YNAB for budgeting and know where every single penny goes, and because of that everything is on autopay - I don’t spend money that I don’t actually have sitting in the bank. I have no clue what the APR is on any of them because I don’t need to know, since it doesn’t affect me. HHI is just over $200k.

Even if what you’re saying is true, that less than 1% of the top 1% have higher than a $50k credit limit, that still doesn’t make $5,000 a “very high” limit. I can’t believe that after 25 years with a credit card, the limit hasn’t been increased to a much higher amount, unless the card is always maxed out.

You are completely out of touch with reality. The median salary in the US is $50k. Credit limit is based on credit score and income.
I don’t know a cc company that will give someone with a $50k income a $30k cc limit.
$5k is a high limit for the average American making $50k.

Since my income has been more than about $75k I’ve had $20k-30k limits on multiple cards. $5k is a very low limit.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Do you mean $50,000? Because $5,000 is not a high limit.

Less than 1% of the top 1% have a $50K credit limit or higher, so don’t even try to pretend that $5K isn’t high by normal standards. You’re the typical DCUM poster complaining about being broke despite having a HHI of $100K+.

Nope, not broke. I have 4 credit cards, with a total limit of about $80k across all of them, the highest individual one being about $34,000. One I use for our every day spend. The others I keep open because of credit history. All are paid in full every month. I use YNAB for budgeting and know where every single penny goes, and because of that everything is on autopay - I don’t spend money that I don’t actually have sitting in the bank. I have no clue what the APR is on any of them because I don’t need to know, since it doesn’t affect me. HHI is just over $200k.

Even if what you’re saying is true, that less than 1% of the top 1% have higher than a $50k credit limit, that still doesn’t make $5,000 a “very high” limit. I can’t believe that after 25 years with a credit card, the limit hasn’t been increased to a much higher amount, unless the card is always maxed out.

Okay, Richie Rich! Very…very few people have a $34K credit limit on a single credit card. Maybe Bill Gates? You’re either lying or living in a total bubble. Stop being so smug and pretentious and definitely stop misleading people into believing your silver spoon lifestyle is typical!!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Do you mean $50,000? Because $5,000 is not a high limit.

Less than 1% of the top 1% have a $50K credit limit or higher, so don’t even try to pretend that $5K isn’t high by normal standards. You’re the typical DCUM poster complaining about being broke despite having a HHI of $100K+.

Nope, not broke. I have 4 credit cards, with a total limit of about $80k across all of them, the highest individual one being about $34,000. One I use for our every day spend. The others I keep open because of credit history. All are paid in full every month. I use YNAB for budgeting and know where every single penny goes, and because of that everything is on autopay - I don’t spend money that I don’t actually have sitting in the bank. I have no clue what the APR is on any of them because I don’t need to know, since it doesn’t affect me. HHI is just over $200k.

Even if what you’re saying is true, that less than 1% of the top 1% have higher than a $50k credit limit, that still doesn’t make $5,000 a “very high” limit. I can’t believe that after 25 years with a credit card, the limit hasn’t been increased to a much higher amount, unless the card is always maxed out.

You are completely out of touch with reality. The median salary in the US is $50k. Credit limit is based on credit score and income.
I don’t know a cc company that will give someone with a $50k income a $30k cc limit.
$5k is a high limit for the average American making $50k.

Since my income has been more than about $75k I’ve had $20k-30k limits on multiple cards. $5k is a very low limit.

Definitely a troll!! No one with an HHI of $75K has a $30K cc limit. Are you kidding me??????? Banks aren’t going to let you finance more than half your annual spending. If you’re going to stretch the truth, at least only stretch it by a little instead of a few miles.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Do you mean $50,000? Because $5,000 is not a high limit.

Less than 1% of the top 1% have a $50K credit limit or higher, so don’t even try to pretend that $5K isn’t high by normal standards. You’re the typical DCUM poster complaining about being broke despite having a HHI of $100K+.

Nope, not broke. I have 4 credit cards, with a total limit of about $80k across all of them, the highest individual one being about $34,000. One I use for our every day spend. The others I keep open because of credit history. All are paid in full every month. I use YNAB for budgeting and know where every single penny goes, and because of that everything is on autopay - I don’t spend money that I don’t actually have sitting in the bank. I have no clue what the APR is on any of them because I don’t need to know, since it doesn’t affect me. HHI is just over $200k.

Even if what you’re saying is true, that less than 1% of the top 1% have higher than a $50k credit limit, that still doesn’t make $5,000 a “very high” limit. I can’t believe that after 25 years with a credit card, the limit hasn’t been increased to a much higher amount, unless the card is always maxed out.

You are completely out of touch with reality. The median salary in the US is $50k. Credit limit is based on credit score and income.
I don’t know a cc company that will give someone with a $50k income a $30k cc limit.
$5k is a high limit for the average American making $50k.

Since my income has been more than about $75k I’ve had $20k-30k limits on multiple cards. $5k is a very low limit.

Definitely a troll!! No one with an HHI of $75K has a $30K cc limit. Are you kidding me??????? Banks aren’t going to let you finance more than half your annual spending. If you’re going to stretch the truth, at least only stretch it by a little instead of a few miles.

I’ve had a credit limit of 30K on one of my cards since making ~82k. I don’t think this is so unusual. My husband and I make a combined 120k and we recently got approved for a 30K limit. Right now I have 65K total in credit limit across three cards.

[Anonymous]

Revolut has cash back debit cards

[Anonymous]

I like navy federal if you have anyway to access that

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Do you mean $50,000? Because $5,000 is not a high limit.

Less than 1% of the top 1% have a $50K credit limit or higher, so don’t even try to pretend that $5K isn’t high by normal standards. You’re the typical DCUM poster complaining about being broke despite having a HHI of $100K+.

Nope, not broke. I have 4 credit cards, with a total limit of about $80k across all of them, the highest individual one being about $34,000. One I use for our every day spend. The others I keep open because of credit history. All are paid in full every month. I use YNAB for budgeting and know where every single penny goes, and because of that everything is on autopay - I don’t spend money that I don’t actually have sitting in the bank. I have no clue what the APR is on any of them because I don’t need to know, since it doesn’t affect me. HHI is just over $200k.

Even if what you’re saying is true, that less than 1% of the top 1% have higher than a $50k credit limit, that still doesn’t make $5,000 a “very high” limit. I can’t believe that after 25 years with a credit card, the limit hasn’t been increased to a much higher amount, unless the card is always maxed out.

Okay, Richie Rich! Very…very few people have a $34K credit limit on a single credit card. Maybe Bill Gates? You’re either lying or living in a total bubble. Stop being so smug and pretentious and definitely stop misleading people into believing your silver spoon lifestyle is typical!!

If you routinely pay the balance off every month, there doesn't seem to be any real end point to where they'll raise your credit limits to. One of our cards has a $50,500 limit. Another one has a $40,700 limit. The third has a $44,000 limit. They've all been about that way since our HHI was a little lower than it is now (now it's about $300,000, but we had limits that high when it was more like $250k.) Sort of hypothetical, though, since we never come close to the limit on any of them and never roll balances over month to month.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Do you mean $50,000? Because $5,000 is not a high limit.

Less than 1% of the top 1% have a $50K credit limit or higher, so don’t even try to pretend that $5K isn’t high by normal standards. You’re the typical DCUM poster complaining about being broke despite having a HHI of $100K+.

Nope, not broke. I have 4 credit cards, with a total limit of about $80k across all of them, the highest individual one being about $34,000. One I use for our every day spend. The others I keep open because of credit history. All are paid in full every month. I use YNAB for budgeting and know where every single penny goes, and because of that everything is on autopay - I don’t spend money that I don’t actually have sitting in the bank. I have no clue what the APR is on any of them because I don’t need to know, since it doesn’t affect me. HHI is just over $200k.

Even if what you’re saying is true, that less than 1% of the top 1% have higher than a $50k credit limit, that still doesn’t make $5,000 a “very high” limit. I can’t believe that after 25 years with a credit card, the limit hasn’t been increased to a much higher amount, unless the card is always maxed out.

You are completely out of touch with reality. The median salary in the US is $50k. Credit limit is based on credit score and income.
I don’t know a cc company that will give someone with a $50k income a $30k cc limit.
$5k is a high limit for the average American making $50k.

Since my income has been more than about $75k I’ve had $20k-30k limits on multiple cards. $5k is a very low limit.

Definitely a troll!! No one with an HHI of $75K has a $30K cc limit. Are you kidding me??????? Banks aren’t going to let you finance more than half your annual spending. If you’re going to stretch the truth, at least only stretch it by a little instead of a few miles.

I’ve had a credit limit of 30K on one of my cards since making ~82k. I don’t think this is so unusual. My husband and I make a combined 120k and we recently got approved for a 30K limit. Right now I have 65K total in credit limit across three cards.

It’s not impossible but your case is not the norm.
The median credit card limit on one card is in the $5k range.
https://wallethub.com/edu/cc/average-credit-card-limit/105096

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Do you mean $50,000? Because $5,000 is not a high limit.

Less than 1% of the top 1% have a $50K credit limit or higher, so don’t even try to pretend that $5K isn’t high by normal standards. You’re the typical DCUM poster complaining about being broke despite having a HHI of $100K+.

Nope, not broke. I have 4 credit cards, with a total limit of about $80k across all of them, the highest individual one being about $34,000. One I use for our every day spend. The others I keep open because of credit history. All are paid in full every month. I use YNAB for budgeting and know where every single penny goes, and because of that everything is on autopay - I don’t spend money that I don’t actually have sitting in the bank. I have no clue what the APR is on any of them because I don’t need to know, since it doesn’t affect me. HHI is just over $200k.

Even if what you’re saying is true, that less than 1% of the top 1% have higher than a $50k credit limit, that still doesn’t make $5,000 a “very high” limit. I can’t believe that after 25 years with a credit card, the limit hasn’t been increased to a much higher amount, unless the card is always maxed out.

You are completely out of touch with reality. The median salary in the US is $50k. Credit limit is based on credit score and income.
I don’t know a cc company that will give someone with a $50k income a $30k cc limit.
$5k is a high limit for the average American making $50k.

Since my income has been more than about $75k I’ve had $20k-30k limits on multiple cards. $5k is a very low limit.

Definitely a troll!! No one with an HHI of $75K has a $30K cc limit. Are you kidding me??????? Banks aren’t going to let you finance more than half your annual spending. If you’re going to stretch the truth, at least only stretch it by a little instead of a few miles.

Read it again. My income is not now $75k. It’s about double that. I don’t know what hole you are living in, but I can assure you that it’s easy to get limits that high (I never asked for them) if you have a good credit score. My credit score is near perfect and I have one card with a limit of $35k and two that are $20k or $25k. I’ve had them for years definitely when my income was lower. I don’t pay much attention to the limits because I never get close to them and I pay everything off each month, but I do remember once calculating how much I could borrow relative to my salary and it was nuts. I do not believe I’m some special case. It’s much more about your credit score than your income.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Do you mean $50,000? Because $5,000 is not a high limit.

Less than 1% of the top 1% have a $50K credit limit or higher, so don’t even try to pretend that $5K isn’t high by normal standards. You’re the typical DCUM poster complaining about being broke despite having a HHI of $100K+.

Nope, not broke. I have 4 credit cards, with a total limit of about $80k across all of them, the highest individual one being about $34,000. One I use for our every day spend. The others I keep open because of credit history. All are paid in full every month. I use YNAB for budgeting and know where every single penny goes, and because of that everything is on autopay - I don’t spend money that I don’t actually have sitting in the bank. I have no clue what the APR is on any of them because I don’t need to know, since it doesn’t affect me. HHI is just over $200k.

Even if what you’re saying is true, that less than 1% of the top 1% have higher than a $50k credit limit, that still doesn’t make $5,000 a “very high” limit. I can’t believe that after 25 years with a credit card, the limit hasn’t been increased to a much higher amount, unless the card is always maxed out.

Okay, Richie Rich! Very…very few people have a $34K credit limit on a single credit card. Maybe Bill Gates? You’re either lying or living in a total bubble. Stop being so smug and pretentious and definitely stop misleading people into believing your silver spoon lifestyle is typical!!

Oh, sweetie. You really think that someone like Bill Gates only has a credit limit of $34k, even if it is only on one card? I assure you, Bill Gates has exponentially higher credit limits. You are also living in your own bubble where $5,000 is a “very high” limit.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Do you mean $50,000? Because $5,000 is not a high limit.

Less than 1% of the top 1% have a $50K credit limit or higher, so don’t even try to pretend that $5K isn’t high by normal standards. You’re the typical DCUM poster complaining about being broke despite having a HHI of $100K+.

Nope, not broke. I have 4 credit cards, with a total limit of about $80k across all of them, the highest individual one being about $34,000. One I use for our every day spend. The others I keep open because of credit history. All are paid in full every month. I use YNAB for budgeting and know where every single penny goes, and because of that everything is on autopay - I don’t spend money that I don’t actually have sitting in the bank. I have no clue what the APR is on any of them because I don’t need to know, since it doesn’t affect me. HHI is just over $200k.

Even if what you’re saying is true, that less than 1% of the top 1% have higher than a $50k credit limit, that still doesn’t make $5,000 a “very high” limit. I can’t believe that after 25 years with a credit card, the limit hasn’t been increased to a much higher amount, unless the card is always maxed out.

Okay, Richie Rich! Very…very few people have a $34K credit limit on a single credit card. Maybe Bill Gates? You’re either lying or living in a total bubble. Stop being so smug and pretentious and definitely stop misleading people into believing your silver spoon lifestyle is typical!!

Oh, sweetie. You really think that someone like Bill Gates only has a credit limit of $34k, even if it is only on one card? I assure you, Bill Gates has exponentially higher credit limits. You are also living in your own bubble where $5,000 is a “very high” limit.

Most people aren’t Bill Gates.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We use only our Sears MasterCard. We’ve had it for 25 years and it has never steered us wrong. No annual fee and the credit limit is very high (I think it is just over $5000 now) and the rewards are very competitive. I’m not sure it is open to new applicants.

Do you mean $50,000? Because $5,000 is not a high limit.

Less than 1% of the top 1% have a $50K credit limit or higher, so don’t even try to pretend that $5K isn’t high by normal standards. You’re the typical DCUM poster complaining about being broke despite having a HHI of $100K+.

Nope, not broke. I have 4 credit cards, with a total limit of about $80k across all of them, the highest individual one being about $34,000. One I use for our every day spend. The others I keep open because of credit history. All are paid in full every month. I use YNAB for budgeting and know where every single penny goes, and because of that everything is on autopay - I don’t spend money that I don’t actually have sitting in the bank. I have no clue what the APR is on any of them because I don’t need to know, since it doesn’t affect me. HHI is just over $200k.

Even if what you’re saying is true, that less than 1% of the top 1% have higher than a $50k credit limit, that still doesn’t make $5,000 a “very high” limit. I can’t believe that after 25 years with a credit card, the limit hasn’t been increased to a much higher amount, unless the card is always maxed out.

You are completely out of touch with reality. The median salary in the US is $50k. Credit limit is based on credit score and income.
I don’t know a cc company that will give someone with a $50k income a $30k cc limit.
$5k is a high limit for the average American making $50k.

Since my income has been more than about $75k I’ve had $20k-30k limits on multiple cards. $5k is a very low limit.

Definitely a troll!! No one with an HHI of $75K has a $30K cc limit. Are you kidding me??????? Banks aren’t going to let you finance more than half your annual spending. If you’re going to stretch the truth, at least only stretch it by a little instead of a few miles.

I make $60K and I have a $35K limit on my card. The most I have spent on it has been 10K but usually about 1-2k per month. I've had that card for 10yrs with a 780 credit score.

[Anonymous]

I have a Chase card with Amazon…I buy a lot from Amazon and also Whole Foods so that it works for me… With an Amazon Prime membership, the card gets 5% from those places and 2 or 1 percent at other places…

[Anonymous]

AMEX Blue Card

[Anonymous]

I like Bank of America's Cash Rewards card. You can choose a category to get 3% on, everything else is 1 or 2%. Unlike a lot of the other cash back cards, you don't have to change categories every three months, you can set it and forget it.